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20121201
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: it was founded to promote liberty and economic freedom, starting in san francisco, and then move into washington, d.c. milton friedman admitted the kindle institute has never sold out. we still work for liberty and freedom. i've been working with the cato institute since 1995 and full time since 2007. host: mary, fort washington, maryland. democrat. caller: i would suggest thinking that if you follow all of the problems come at the end of the trail you will find the smiling grin of greed. that is what i think caused it. for myself, naca program helped us, taking us out of the ugly arm. my mortgage is $964 a month, which will allow us to stay in our home comfortably. guest: people blame things like a financial crisis on greed, but greed is not changing. it has been with us for hundreds of thousands of years. people are greedy naturally. if we design institutions assuming people are altruistic, we will get hurt. we have to assume they are greedy, and if there altruistic, we will only benefit from that. we assume that people want to live in their own home, and give people a choice, buying or rentin
in san francisco. the key thing is hurting the rest. look at the premiums that are being charged. if we can maintain that focus, the risk regiment focus that the fha has taken on, there is an argument to say, let's not over correct in a time when there is no support system coming down the pipe. >> you talk about the importance of having good underwriting standards. one of the other criticisms of fha is that it is a government agency that is not as nimble. long-term, if you have 3% down payment, it is one thing to trust that the lenders to use the program will operate according to the guidelines, but does the institution have the bandwidth to change circumstances? even if it were not as severe as 2006, say we go through a period where congress allows downpayment-funded assistance. how able is the fha to set those proper underwriting standards? >> there is no question that the fha any other agency needs to be more organized than what we have today. fhfa it is 80 years old. it has never required taxpayer money. the fact that we have a 1000- year flat and fha has plans for a 100-year flat,
"reguaranteeless of politics." sam in san francisco, go ahead. >> i'm hoping that at some point the society will start addressing the root causes of this. i remember when columbine first happened and it was shocking for people. now this is happening basically every day. so many people are unemployed, the political system is not functioning, our media is not doing their job and people want to talk a defending themselves. what about addressing the root causes? the fact that society -- we don't even address mental health issues. they don't even address the mental health issues of the soldiers coming home. they encourage them not sign up. they deny them benefits, i think it takes a year to deny benefits for a returning soldier. >> no indications that the shooter was a veteran. we take a live look at the flag above the white house which has been lowered to half staff as ordered by the president. this is michael. hi, there. >> hi. i want to extend our families condolences to the families out there in connecticut. i just hugged my daughter and she has -- she is a kindergartener herself so we can f
Search Results 0 to 2 of about 3